Make Home Buying Affordable Using Investor Secrets

 

 

 

The American economy has suffered a lot of damage these last few years which has put home ownership out of reach for far too many Americans. But things are seldom what they appear to be. There are several methods to make prices, down payments and even interest rates less of an obstacle. As a successful real estate investor and trainer for over 50 years I know all of them. I even created some of them. 

 

I purchased my first home in 1969 for $10,000, and that was when I began my lifetime career learning and using all the trade secrets of real estate investing. I have since purchased/sold/leased hundreds of properties, and I would have failed miserably unless I knew some pretty sweet methods of creating bargains so huge profits could be made.  In 1989 I began training others to do the same, some of whom have even outdone me. And when I tell you I can teach you how to use those same secrets to purchase a home in ways that make it affordable, you can believe it.

 

My name is Bill Vaughn. In 1989 I literally wrote the book on real estate investing, "The Simple Man's Guide to Real Estate" and patented the software that creates agreements designed by and for investors and homebuyers. The program I developed with investor friends details 24 methods of buying real estate, not just the one or two traditional methods you probably already know about. And several of those methods do not require any cash or credit.

 

The most important goal in investing is making a profit, and to that end investors have come up with "tricks of the trade" to insure maximum profitability. I have even come up with a few of my own. Those same methods can be used to make buying a home more affordable in any market.

 

Here are some examples to give you an idea of how a little effort and creativity can get you into a home of your own. Please note that complete details on these methods are found in "The Simple Man's Guide to Real Estate".

 

*  Get the down payment from the property. Many properties have valuable assets such as timber, old barns, shrubbery etc.. Contact a local logging company to see if they would be interested buying/harvesting the timber. If they do, it is a simple matter to put the option for them to harvest into escrow, and they put the funds into escrow. When closing on the property, the logger gets the timber contract and you get the funds to use as the down payment. In the case of an old barn on the property you can make a similar arrangement for the barn - old barn boards and timbers command a high price these days. And local nurseries or landscapers would likely buy any shrubbery.

 

* Barter or trade for the down payment. Trade that second car you don't need, or the boat that is a drain on your wallet and hasn't seen the water for years in exchange for part or all of the down payment. If you are a builder, offer your services to the seller to build a quality deck on his new home or do other work to increase the value of  his new residence (or his rental properties). And don't think you are restricted to bartering your services, either. If the seller doesn't want a deck but he needs braces for his daughter, perhaps a local dentist needs a deck that he will trade for dental work. You build the dentist's deck, and give the dental services you earn to the seller in exchange for that amount of the down payment. There is no end to what can be bartered.

 

* Sweat Equity. If you have some some useful building skills, locate a property that needs a fair amount of work (avoid structural issues) and arrange with the seller that you will supply "X" dollars in labor to fix up the place in exchange for the same amount applied to the down payment. He cannot lose - if you default he ends up with a more valuable property, and if all goes well, he has a built-in buyer.

 

*  Equity share the property. I provide details on this powerful strategy in this blog post: https://success-by-design.blogspot.com/2021/08/can-you-buy-real-estate-without-cash-or.html. It is a bit more complex, but it does eliminate the need for a down payment and even helps qualify for a mortgage that might otherwise be impossible due to credit issues. 

 

And these are just a few of the 24 methods taught in "The Simple Man's Guide to Real Estate". Anyone seeking to buy a home in the current climate should take a serious look at what our program offers. And unlike the exhorbitant cost of Than Merrill's "Fortune Builders" ($30k) full program or the program offered by Armando Montelongo ($30k) our program comes complete for just $49, because we operate as a not-for-profit. We make our livings as investors, not hawking programs on infomercials.

 

You owe it to yourself to look it over. And even if you do not take advantage of this, please pass this along to any family, friends or associates you feel could use it. They will thank you for it

 

Regards 

 

Bill 

 

 

 

 

 

 

Think you can't afford a home? Think again...

 

by Bill Vaughn 

 

The damage done to our economy these last few years has made it appear to put home ownership out of reach for far too many Americans. But things are seldom what they appear to be. In the case of affordable homes, there are several ways to make prices, down payments and even interest rate less of an obstacle.

"The Simple Man's Guide to Real Estate" has shown tens of thousands of people how to use creative methods for obtaining homes, either as investments or their personal residence.

The "secret" lies in the simple fact that the "traditional" method of buying real estate is only one of 20+ non-traditional methods, eight of which do not require cash out of pocket, and some that do not even require bank financing. If you are able to set aside everything you think you know about real estate and are willing to expend a little effort and some critical thinking, you, too can join the ranks of happy homeowners.

My name is Bill Vaughn, a real estate investor for over 55 years, and I developed "The Simple Man's Guide to Real Estate" program  36 years ago. In that time the program has helped over 80,000 people. People like Brett:

"Bill, Thanks a lot for that suggestion. I am really burning-up the market here as I have bought 4 properties and my latest deal going on is to purchase a 16 unit apartment building for 550,000 giving me 120,000 in equity. These figures are based on the local PVA assessment and not the appraised value by the bank, which has been higher.

All properties are being bought with NO money out of my pocket and the rental vacancies are only 3 units out of 41. Not too bad! All this has happened in less than two months. Maybe I'm doing something right, and for that, I thank you very much. "

Or Pat: 

"I purchased your course about 1 ½ years ago. Happy to report that I own 3 investment properties and netted 63K on the sale of my last townhome in Woodbridge, VA! Thanks...Pat Wicker"

And then there is Tiki, who wrote us twice: 

"(Letter #1) "Since purchasing your program I purchased a "fixer upper" in Lowell MA, then sold it for a $40,000 profit. I moved to a nicer state and bought a nice duplex in Burlington where we now live. I bought it under market value, with enough cash back at closing to make me happy and take a trip around the country. And the tenants pay our mortgage.

"I place much value on your program, Bill. It has inspired me to where I now have a comfortable 'nest egg' and I thank you for opening the doors to this great new 'hobby'."

Tiki Archambeault, Burlington

(Letter #2) "Hi there! Tiki Archambeault here. I'm the one listed first in your "Testimonials" section of your website. It has been a while since I have contacted you guys so I am hoping you remember me.

"I now live in a modest single-family home only 5 blocks from the heart of downtown. I own 2 other duplexes also close to downtown and recently bought a 4-unit on Cape Cod, bringing my total number of apartment units to 8 - a very modest yet manageable number. In terms of assets, my current net worth in terms of property market value is $1,280,000.

"Now I own two adjacent city lots only 5 blocks from downtown. It is now possible for me to now look into developing new condo units on the footprint of the two lots in this low-vacancy city and walk away with the proceeds. Still thanking you guys..."

Tiki"

We have thousands of such letters.There is no reason you cannot join them, especially since the entire program is only $49.95 - unlike Armando Montelogo - $35,000, or Than Merrill's "FortuneBuilders" @ $30,000+

"The Simple Man's Guide to Real Estate" includes over 20 bonus real estate related ebooks, software that creates customized agreements easily and free mentoring. A truly great deal.

There is only one thing that prevents you from owning your own home - the right know-how. Get it here
 

How To Afford A Home in 2025 America

                                                                      

Never in the history of America has home ownership been so far out of reach for most Americans. The American Dream has become a nightmare. And it is not just because of inflation - several factors are at work: employment by Americans is at a low as most jobs created since 2021 have gone to migrants and those millions of migrants are causing a housing shortage. And then there is high mortgage rates and increased regulations. Affordable homes have become a needle in a haystack.

All in all, it's enough to make a hard working person fall into despair. If only there was a way to make a home more affordable. Oh! Wait...there are actually several ways to make homes more affordable, and as a real estate investor who has spent over half a century devising and using such methods I present a few here, to show you the possibilities and perhaps awaken your imagination. My clients have used these and other strategies I teach for over 35 years. These methods are not taught by "gurus" like Than Merrrill (FortuneBuilders) or Armando Montelongo

While this is just a blog I cannot go into the details in each method, but these and several more are covered in full detail in my real estate investing course, "The Simple Man's Guide to Real Estate."

Get the down payment from the property. Many properties have valuable assets such as timber. Contact a local logging company to see if they would be interested buying/harvesting the timber. If they do, it is a simple matter to put the option for them to harvest into escrow, and they put the funds into escrow. When closing on the property, the logger gets the timber contract and you get the funds to use as the down payment. Or perhaps there is an old barn on the property - you can make a similar arrangement for the barn - old barn boards and timbers command a high price.

Equity share the property. I provide details on this powerful strategy in this blog post: https://success-by-design.blogspot.com/2021/08/can-you-buy-real-estate-without-cash-or.html. And this is just one of 24 methods, many which are even simpler, like these...

Barter or trade for the down payment. If you are a builder, offer your services to the seller to build a quality deck on his new home or do other work to increase the value of the new residence (or his rental properties). Or trade that second car you don't need, or the boat that is a drain on your wallet. And don't think you are restricted to bartering your services, either. If the seller doesn't want a deck but he needs braces for his daughter, perhaps a local dentist needs a deck that he will trade for dental work. You build the dentist's deck, and give the dental services you earn to the seller in exchange for that amount of the down payment.
 

Agree to pay off the seller's debts. I once encountered a seller who was selling a rental unit in order to pay off his extensive credit card debt of nearly $33K. I agreed to take responsibility for those debts and pay them off. I then contacted the creditors and arranged to pay each off at a huge discount by paying them in lump sum cash. Most creditors will agree. I paid off the $33K for just over $12,400. So, for $12,400 I got $33K knocked off the purchase price, saving me over $20K

Sweat Equity. If you have some some useful building skills, locate a property that needs a fair amount of work (avoid structural issues) and arrange with the seller that you will supply "X" dollars in labor to fix up the place in exchange for the same amount applied to the down payment. He cannot lose - if you default he ends up with a more valuable property, and if all goes well, he has a built-in buyer.

Buy the house but lease the land. This is done in Hawai'i all the time, because the limited amount of land is so valuable. But it can be done anywhere.It can often reduce the amount of mortgage required by as much as 50% or more

These are just a sampling of methods I have taught for many years, and some of my other methods are even better - some are simpler.

If homeownership is your dream, "The Simple Man's Guide to Real Estate" can help make it a reality. Check it out - what do you have to lose by looking? More to the point, what do you stand to lose by NOT looking? But it would be wise not to tarry - the open border is increasing housing demand and reducing supply and time is running out...

 

[Bill Vaughn has been investing in real estate since1969 and has taught over 135,000 people how to do so. He has written numerous real estate books and articles and self-help manuals like his free "Success - By Design", which has been downloaded by over 4 million people]

Real Estate Investing Made Simple - and Risk Free

Until now, learning how to invest in real estate has been either a risky or costly venture - or both.  Late-night infomercial gurus like Than Merrill's Fortunebuilders  and Armando Montelongo charge up to $35,000 for their entire program. Most others charge at least $5,000-$15,000. And "newbies" determined to do it "on their own" without the "know-how" of experience will likely lose his or her money. Let's face it - if you have that kind of money to invest, you should be investing it into real estate, and not stuffing some guru's pocket.

The lowest cost (and effective) program - Bill Vaughn's "Simple Man's Guide to Real Estate" - has been under $100 complete (including mentoring) for over 30 years, and provides more than all the other gurus - ALL 24 legitimate methods in detail, mentoring, software for purchase agreements plus 24 real estate related bonus books. 

But even that can be a stiff price for many in this period of high unemployment, high inflation and low incomes. Being a non-profit, we decided that for a limited time only, we would offer our program for just enough to "keep the office lights on" in order to help more people in these difficult times. And that is exactly why Bill has cut the cost of the "The Simple Man's Guide to Real Estate" program to $29.95. That's a savings of a whopping 70%.

Even better - 8 of the real estate investing methods we teach do not require your cash or credit. There is no risk involved, unlike the infomercial gurus that want you to max out your cards.

We have sold over 140,000 copies at $99.95, and our clients have made a lot of money, even without cash or credit. Like Russell, a homeless man in Wilmington MA, unemployed and destitute who pocketed $16,900 on his first no money down deal. And Homero, who got this certified check for $10,000 in less than two weeks on a property he did not even own. Or this deal that netted a whopping $100,500 net!

We cannot say how long we can make this offer available, so if investing in real estate and boosting your income to 7 figures has even been a dream of yours, today would be a good time to start. Whereas real estate only takes a couple of hours a week, you need not quit your current job until you no longer need it.  So if it has ever been your dream to live a life without time clocks and with both money and the freedom to enjoy it, there will never be a better opportunity than this.

Check it out for yourself - it costs nothing to look. But the potential cost of not looking can be very high. Think about it - for less than the cost of ordering a couple of pizzas you could be on your way to financial independence...

 

/

5 Completely Free Real Estate ebooks

 

Buying real estate can be intimidating, whether buying your own home, or investing for profit. But it does not need to be if you learn from a pro and are well-armed with know-how. These completely free books, provided by IntelliBiz, (the only source for "The Simple Man's Guide to Real Estate" the #1 real estate investing program for over 30 years) are jam-packed with the same kind of helpful information that millions of people have come to expect from "The Simple Man's Guide" series of books and courses. Take as many as you like. We do not ask for your email address or any contact information and you do not have to sign up for anything. All we ask is that you respect our copyrights. You do, however, have permission to pass this post on, without additions, subtractions or changes to anyone you believe can benefit from it.

If you do not have Adobe Reader, it is available free right here. Enjoy!

NOTE: The .PDF ebooks are rather large files - you may want to download them and read them at your leisure.

"The Simple Man's Guide to Buying an Older House"

"The Simple Man's Guide to Buying Country Land"

"The Simple Man's Guide to Selling A Home - For Sale By Owner"

"The Simple Man's Guide to Home Buying & Home Ownership"

"Success - by Design"

We hope you enjoy these free eBooks. if you want the most powerful, complete real estate investing course available, don't forget to order "The Simple Man's Guide to Real Estate", on sale today for under $100 complete, including free mentoring - as a non-profit, our mentors are all professional investors who volunteer to help others succeed.

We hope you find value in these free ebooks as over 4 million already have.

/

How to Beat The High Price of a Home

With every passing day the cost of buying a home increases as inflation, government spending and rising interest rates push prices to unheard of heights, pricing all but the affluent out of the market. Fortunately there are several ways to overcome the barriers to home ownership.

One such method requires finding a motivated seller and educating him in an alternative that can benefit both buyer and seller. With prices so high, buyers become scarce which places sellers between a rock and a hard place, resulting in a motivated seller. Ideally, the seller owns the home free and clear or with a small remaining mortgage, which is often the case with empty-nest elders.

The general concept for this method is often used in Hawai'i, where land is scarce and those who own it do not want to part with it, so they sell only the house and lease the land to the buyer, usually under a lifetime or other long-term lease. Think about that for a moment...

The seller benefits because he gets his house sold and the lease on the land supplements his income, which is particularly good for elders on a fixed income. The buyer benefits because he is only buying the house, which is considerably less expensive than the entire property. It also means it would be easier to qualify for the smaller mortgage.

Once you have found the right seller, the first step is to determine what portion of the value is the house, and which portion the land. In the following scan of an actual tax card, you will see the land is valued at $23,600 and the house at $138,500 for a total value of $162,100. Bear in mind, tax valuations are rarely accurate valuations, as tax values are normally determined by a formula that is discounted. That does not matter - what is important are the percentages. In the case of the property shown, the house represents roughly 85% of the overall value. Bear in mind in many cases the value of the land is often equal to or even greater than the value of the house. If that were true in this case, the house value could be as low as $81,000, making for a much smaller mortgage.

click to enlarge

Assuming the real value - and the asking price of the property - is $219,000, the house, alone, is valued at $186,150. This represents a savings to the buyer of $32,850 - a big mark down. Assuming a mortgage (currently 7.7%) with $20,000 down, PITI would be $1424.35 as opposed to $1673.83 if buyer purchases the entire property. If the buyer negotiates a long-term lease at $100/month, buyer saves $149.48 each month in addition to saving the $32,850.

Your agreement could include terms that allow you to purchase the land at some point at a predetermined price. It could also include a stipulation that if you ever sell or the home is otherwise transferred, the landowner gets first dibs to buy it at the market value at that time. If he chooses not to, the lease shall be transferable to the new owner of the house.

This is just one of several methods taught, in detail, in "The Simple Man's Guide to Real Estate". Choose the strategy that suits your situation best.

"The Simple Man's Guide to Real Estate" has been training investors and home buyers since 1989, and is an invaluable real estate aid. It even includes free mentoring and software that creates perfect offers every time. And unlike the $35,000 cost of Than Merrill's FortuneBuilders or Armando Montelogo's program, "The Simple Man's Guide to Real Estate" is offered on a not-for-profit basis for under $100. You simply cannot find another instructional training aid for less anywhere on the planet.

If you have come to this blog, you are likely interested in finding a way to homeownership, so you owe it to yourself to at least check it out - doing so is free! 

/

REAL ESTATE INVESTING: Is "No Money Down" Really a Myth?

                                                          brought to you by IntelliBiz

Ask 100 people on the street if they believe it possible to buy real estate with no cash down and 98% will say "no". Ask 100 real estate attorneys, and my 57 years of experience tells me about 90% will say "no". Ask 100 real estate investors, and the vast majority will also say "no".

What do they all those "nays" have in common? A healthy dose of ignorance founded on skepticism. One other thing they have in common - they are all what I like to call...WRONG! What is more - I can prove it, because I and my students do it all the time.

My name is Bill Vaughn, and I have been investing in real estate since Moses was a lad and Moby Dick was a pollywog. Well, 55 years SEEMS that long sometimes. And I have used my experience to personally train over 86,000 people over the last 34 years to be able to make a lot of money and cut the corporate apron strings, providing them with independence and the money to enjoy it. My inexpensive ($99) program, "The Simple Man's Guide to Real Estate" provides everything a person needs for real estate success. More to the point, it teaches all 24 legitimate methods of investing in property, and eight of them do not require cash or good credit!

That's right - my students know how to purchase properties and make sizeable profits without having to part with any of their cash (in fact, many of them had NO cash when they started).

Now, I don't expect you to just  take my word for it - I will show you one "no cash" method right here and now, and before this post is done, there will be documented proof that anyone can make 'no cash' deals. Bear in mind, this is a general breakdown - "The Simple Man's Guide to Real Estate" fills in all the details, provides all the forms and includes free lifetime mentoring, just in case you require more specific assistance.

METHOD 19

This is more complex than most "no cash" transactions I teach. 

 In every community there are people who earn large incomes - doctors, lawyers, consultants etc. Many of these people have something else in common, as well - they pay higher taxes, and often are in the market for a good investment that also shields them from some of those taxes. This is where you can make some very easy money, quickly, as such people usually do not have the time to seek out and buy an investment property on their own. They are just waiting for someone like you to come along and make it all happen. Here's how...

Locate a nice property in a good blue collar neighborhood, 3 or more bedrooms (blue collar neighborhoods are in more demand and are quicker and easier). For purposes of an example, let's say you found the perfect place - the market value is $250,000.

STEP 1: Make an offer to purchase the property outright, for $225,000 CASH at closing - cash sales usually command a discount of at least 10%. As soon as you have a signed purchase agreement...

STEP 2: Get in touch with these big income folks and let them know that you have a prime single family rental in a good neighborhood that would make not only an excellent investment, but would also shelter some of their income from taxes. You could even produce a brochure about the property and the deal. Offer to sell them a share in the $250,000 property - you will offer up 9 of the 10 shares at $25,000 each (the 10th share is yours as the general partner). They can either pay cash, or they can obtain a mortgage using their own credit. Their 9 shares pay for the property in full. An investor can purchase more than one share. "The Simple Man's Guide to Real Estate" provides information on setting up a simple partnership to facilitate such a transaction and protect your interests.

You will rent the place out for the partnership, collect the rents and otherwise manage the investment for five years in which each partner (including yourself) reaps a share of the rental profits , at which time you will sell the property and they (and you) will also receive shares of the profits from appreciation and equity. Meanwhile, you charge a small management fee equal to about 10% of the rents.

So far, you own $25,000 worth of the property, you are receiving approximately 10% of the net rents as a partner, another 10% as manager, and 10% of the appreciation and any additional equity at the end of the term. Not bad for not having paid a dime. And it gets better - you can do this many times!

STEP 3: If you were on the ball you had already advertised for a tenant and one is waiting to move in (perhaps even you). You thereafter manage the property and take your management fee and your share of the net rents out of the monthly rents. Food for thought - you could likely afford to live in this great property at a bargain by applying your share of the rent and your management fee to your rental payment.

Oh - and don't forget - once you sell one of these investment properties, those same investors will likely want to do it again. Ready-made investors, begging to give you money.

DOCUMENTATION:
See how Russell, a homeless man, made $16,900 on his first "no cash" deal in under 30 days

And Homero received this certified check for $10,000 this certified check for $10,000 on his first "no cash" transaction in just 2 weeks

Visit "The Simple Man's Guide to Real Estate" for more information, and while you are there you can grab some free books.

/